URN:NBN:SI:doc-HXHQZ0HO2025Cech, ChristianJagrič, TimotejJagrič, VitaWirth, Martindocuments/doc/H/URN_NBN_SI_doc-HXHQZ0HO_001.pdfdocuments/doc/H/URN_NBN_SI_doc-HXHQZ0HO_001.txt171articlestr. 63-730547-310110.2478/ngoe-2025-0006233499651URN:NBN:SI:doc-HXHQZ0HOengDruštvo ekonomistov MariborEkonomski center MariborEkonomsko-poslovna fakultetaNaše gospodarstvoBY-NC-NDcross-border bankingčezmejno bančništvodigital transformationdigitalna transformacijadigitalne bankedigital-only banksneobankeneobanksNeobanks’ footprint on the transformative path of the Austrian and the Slovenian banking Market